Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Universal 1 Credit Union Inc. of Dayton, OH reported 289 mortgage applications totaling $25.7 million, down 43% from 2013. The average application was for $88,927, and applicants reported an average income of $66,166. 53% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Dayton, OH (148), Cincinnati, OH-KY-IN (20) and Columbus, OH (12) (applications in parentheses).
| Mortgage Company & Address | Universal 1 Credit Union Inc. P.O. Box 467 Dayton, OH 45409 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 289 |
| Total Mortgage Loan Application Amount | $25,700,000 |
| Average Mortgage Loan Application Amount | $88,927 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $66,166 |
| Highest Applicant Income | $758,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery, Ohio | 111 | $ 9,355,000 | $ 84,279 | $ 69,000 |
| Shelby, Ohio | 33 | $ 2,938,000 | $ 89,030 | $ 53,000 |
| Greene, Ohio | 20 | $ 2,735,000 | $ 136,750 | $ 85,000 |
| Miami, Ohio | 17 | $ 1,858,000 | $ 109,294 | $ 56,000 |
| Warren, Ohio | 15 | $ 1,640,000 | $ 109,333 | $ 67,000 |
| Clark, Ohio | 9 | $ 714,000 | $ 79,333 | $ 47,000 |
| Licking, Ohio | 6 | $ 518,000 | $ 86,333 | $ 62,000 |
| Ross, Ohio | 5 | $ 655,000 | $ 131,000 | $ 56,000 |
| Auglaize, Ohio | 4 | $ 301,000 | $ 75,250 | $ 55,000 |
| Butler, Ohio | 4 | $ 191,000 | $ 47,750 | $ 54,000 |
| Lee, Florida | 3 | $ 300,000 | $ 100,000 | $ 75,000 |
| Clinton, Ohio | 3 | $ 416,000 | $ 138,666 | $ 63,000 |
| Franklin, Ohio | 3 | $ 400,000 | $ 133,333 | $ 80,000 |
| Gwinnett, Georgia | 2 | $ 490,000 | $ 245,000 | $ 72,000 |
| Logan, Ohio | 2 | $ 121,000 | $ 60,500 | $ 14,000 |
| Muskingum, Ohio | 2 | $ 246,000 | $ 123,000 | $ 72,000 |
| York, South Carolina | 2 | $ 500,000 | $ 250,000 | $ 146,000 |
| Maricopa, Arizona | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Charlotte, Florida | 1 | $ 69,000 | $ 69,000 | $ 42,000 |
| Cook, Illinois | 1 | $ 141,000 | $ 141,000 | $ 70,000 |
| Baltimore City, Maryland | 1 | $ 128,000 | $ 128,000 | $ 93,000 |
| Champaign, Ohio | 1 | $ 112,000 | $ 112,000 | $ 27,000 |
| Guernsey, Ohio | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Hamilton, Ohio | 1 | $ 76,000 | $ 76,000 | $ 144,000 |
| Madison, Ohio | 1 | $ 150,000 | $ 150,000 | $ 102,000 |
| Perry, Ohio | 1 | $ 50,000 | $ 50,000 | $ 87,000 |
| Pickaway, Ohio | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Preble, Ohio | 1 | $ 29,000 | $ 29,000 | $ 139,000 |
| Tulsa, Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 64,000 |
| Erie, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 149,000 |
| Sevier, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 12,000 |
| Washakie, Wyoming | 1 | $ 28,000 | $ 28,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 159 | $13,662,000 | $85,000 | $417,000 | $70,000 | $758,000 |
| Home Purchase | 113 | $10,854,000 | $96,000 | $400,000 | $62,000 | $232,000 |
| Home Improvement | 17 | $1,184,000 | $69,000 | $180,000 | $58,000 | $163,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 184 | $16,720,000 | $90,000 | $417,000 | $69,000 | $232,000 |
| Not Provided | 85 | $7,467,000 | $87,000 | $343,000 | $55,000 | $195,000 |
| Black or African American | 16 | $1,072,000 | $67,000 | $196,000 | $90,000 | $758,000 |
| Hispanic | 2 | $91,000 | $45,000 | $52,000 | $40,000 | $43,000 |
| Asian | 2 | $350,000 | $175,000 | $185,000 | $95,000 | $134,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 246 | $21,483,000 | $87,000 | $417,000 | $69,000 | $758,000 |
| FHA-insured (Federal Housing Administration) | 25 | $1,922,000 | $76,000 | $147,000 | $41,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,792,000 | $119,000 | $248,000 | $63,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $503,000 | $167,000 | $192,000 | $57,000 | $69,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 152 | $13,399,000 | $88,000 | $400,000 | $73,000 | $232,000 |
| Application Denied By Financial Institution | 76 | $6,523,000 | $85,000 | $241,000 | $53,000 | $758,000 |
| Application Approved But Not Accepted | 44 | $4,645,000 | $105,000 | $417,000 | $73,000 | $195,000 |
| File Closed For Incompleteness | 9 | $644,000 | $71,000 | $180,000 | $40,000 | $105,000 |
| Application Withdrawn By Applicant | 6 | $453,000 | $75,000 | $147,000 | $59,000 | $171,000 |
| Preapproval Denied by Financial Institution | 2 | $36,000 | $18,000 | $19,000 | $34,000 | $54,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 16 | $1,556,000 | $97,000 | $241,000 | $48,000 | $102,000 |
| Debt-To-Income Ratio | 9 | $584,000 | $64,000 | $156,000 | $34,000 | $65,000 |
| Other | 9 | $839,000 | $93,000 | $162,000 | $45,000 | $67,000 |
| Collateral | 3 | $224,000 | $74,000 | $87,000 | $41,000 | $55,000 |
| Employment History | 2 | $55,000 | $27,000 | $30,000 | $52,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $37,000 | $37,000 | $37,000 | $28,000 | $28,000 |
| Unverifiable Information | 1 | $58,000 | $58,000 | $58,000 | $49,000 | $49,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2014 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Universal 1 Credit Union Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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